Privacy Policy

We may collect information you provide directly, including your full name, phone number, email address, date of birth, National ID / Ghana Card details, selfie or KYC images, employer details for salary-to-wallet, mobile money and bank account details, and address information where required for verification.

We also collect transaction history, wallet balances, payment metadata, device information, IP address, app diagnostics, login records, optional contacts you choose to sync for easier payments, and customer support communications.

If you enable biometrics, authentication happens on your device. We do not store your fingerprint or Face ID templates on our servers.

We use your information to create and manage accounts, process salary-to-wallet and cash-in/cash-out transactions, verify identity and perform KYC, prevent fraud and money laundering, comply with sponsor and regulatory requirements, provide customer support, resolve complaints, send service notices, and improve product performance and security.

Marketing messages are sent only with your consent. You can manage optional preferences in the app under Privacy Settings.

We never sell your personal data. We share information only as needed to deliver the service, including with our licensed EMI/PSP sponsor and payment partners, banks and mobile money operators (including MTN MoMo, Telecel Cash and AirtelTigo Money), identity verification and fraud-prevention providers, employers for payroll/salary-to-wallet only, regulators or law enforcement where required by law, and auditors, compliance advisers and secure infrastructure providers acting on our instructions.

KYC records are retained for at least 5 to 7 years after account closure. Transaction records are retained for at least 5 to 7 years. Complaint records are retained for at least 5 years after closure. System logs are retained for 6 months to 2 years depending on security needs.

Where law or our payment sponsor requires longer retention, we keep only what is necessary for compliance, dispute resolution and fraud prevention.

We use TLS encryption in transit, encryption at rest for sensitive data, staff access controls, PIN/biometric app locks, fraud monitoring and regular security reviews.

No method of transmission or storage is completely secure, but we apply controls appropriate for a payments wallet.

You may request access to, correction of, or deletion of your personal data; object to certain processing; export your data; withdraw consent for optional processing such as marketing; and lodge a complaint with the Data Protection Commission (Ghana).

You can delete your account in the eAlkePay app under Profile → Privacy Settings → Delete Account, or by emailing support@ealkepay.com. Some KYC and transaction records may still be retained for the periods above where required by law or our payment sponsor.

We use cookies and similar technologies on our website, and analytics/diagnostics in the app, to remember preferences, measure performance, improve reliability and secure the service.

You can control optional tracking through in-app Privacy Settings and your device preferences.

eAlkePay is not intended for users under 18 years of age. We do not knowingly collect personal information from children. If we discover that we have collected information from a child, we will delete it promptly, subject to any legal retention duties.

Your information may be transferred to and processed in countries other than Ghana (for example by cloud or payment infrastructure providers). We use appropriate contractual and security safeguards consistent with this Privacy Policy and applicable law.

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy in the app and on this page, and by revising the “Last updated” date.

Data controller: eAlkePay Technologies LTD. Address: Accra, Ghana. Email: support@ealkepay.com. Support: http://localhost:3000/contact. Website: http://localhost:3000.